and if the institutions are "criminally" negligent in their actions? yea, it's fine to tell joe shmoe down the street that it's their fault they trusted an inst

and if the institutions are "criminally" negligent in their actions? yea, it's fine to tell joe shmoe down the street that it's their fault they trusted an institution, but we have laws about this regarding large companies falsely or not "read, it may be in 35000 pages of text agreed to with a button click" claiming to be secure while not, taking advantage of peoples ignorance or more rightly, being busy, that those who claim anything implicit, whether legal or not, should be the ones to shoulder the burden. There has been a science developed around "how much can we get away with" and that's the problem. Do you expect joe shmoe to have that kind of budget?